© WHERE WE LEND SUNNYVALE · CA
HARD MONEY LENDER SUNNYVALE
Purchase, refinance and cash-out money across Sunnyvale and the wider Santa Clara County market.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Sunnyvale is core Silicon Valley, running from the Moffett Park tech campuses north of Highway 101 down through Murphy Avenue and the Caltrain station to the quiet grids of Cherry Chase and Ponderosa. Santa Clara County job density does the heavy lifting here. Investors buy for the tenant base and the certainty of the location rather than for a cheap entry.
Every program on this site is available on Sunnyvale property and across Santa Clara County. Investors who also buy in Santa Clara, San Jose and Fremont run those deals through the same desk, which is the point: one lender who already knows the borrower, the entity and the exit strategy.
Nothing about a Sunnyvale address slows the process down. Terms are written from the property, title and escrow are opened locally, and the money moves from San Diego. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states is what that machine has produced so far.
© THE COST SUNNYVALE · CA
WHAT DO SUNNYVALE HARD MONEY LOANS COST
There is no Sunnyvale rate sheet separate from the national one. Bridge from 9.00%, up to 75% LTV on residential, one or two year terms, and loans from $150,000 to $25,000,000 on business purpose files. The property and the exit set the number, not the ZIP code.
A Sunnyvale file gets a full written term sheet up front: rate, leverage, term, points and conditions. Nothing gets re-traded at the table. No prepayment penalty on bridge, minimal documentation, and funding in five to seven days.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
The ranges above are what is actually available. Send the Sunnyvale address and what you intend to do with it and the quote comes back with the exact rate, leverage and term for that deal.
© WHY LOAN GOAT SUNNYVALE · CA
WHY LOAN GOAT IN SUNNYVALE
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Working with a direct lender on a Sunnyvale deal removes the layers. There is no broker marking up the file, no correspondent shopping it and no investor behind the investor. One lender, its own capital, one set of terms.
Eichler and mid-century ranch tracts from the 1950s and 1960s make up much of the housing, joined by townhomes and condos along El Camino Real and newer dense product near downtown. Office, R&D and flex buildings dominate the Moffett Park side. All of it is financeable, purchase, refinance or cash-out.
Mid-century renovations aimed at owner-occupant buyers are the classic flip here, and condo or townhome buy-and-hold performs against tech rental demand. Commercial and R&D repositioning is the larger-balance play for investors with the appetite. Bridge for the buy, construction for the build, DSCR for the hold: the same three doors most of these plays run through.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
SUNNYVALE DEALS, FUNDED FROM SAN DIEGO.
Santa Clara County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS SUNNYVALE · CA
MOST COMMON SUNNYVALE LOAN SCENARIOS
- 1031 EXCHANGE Exchange deadlines do not move, so Sunnyvale replacement purchases get funded on the calendar, not on a bank's.
- AUCTION & HUBZU Auction and Hubzu purchases in Santa Clara County funded on the short settlement clocks those platforms run.
- BANKRUPTCY BUYOUT Payoff money to clear a bankruptcy or partner buyout on a Sunnyvale property before the deadline.
- BANK STATEMENT LOANS Bank statement underwriting for Sunnyvale investors whose returns do not show the income the deal actually produces.
- FORECLOSURE AUCTION Sunnyvale foreclosure buys where the money has to be certain before the gavel.
- FOREIGN NATIONAL No US credit history and no domestic tax returns is a normal Sunnyvale file here.
- NON-WARRANTABLE CONDOS Condos in Sunnyvale that agency guidelines will not take, financed on their own merits.
- SELF-EMPLOYED Self-employed Sunnyvale investors underwritten on the property instead of two years of returns.
- VACATION RENTAL Short-term rental acquisitions and refinances in and around Sunnyvale, underwritten on the asset.
- CASH OFFERS ONLY Cash-equivalent certainty for a Sunnyvale offer that has to beat financed competition.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN SUNNYVALE
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES SUNNYVALE · CA
PROPERTY TYPES WE FINANCE IN SUNNYVALE
- INDUSTRIAL & WAREHOUSE Industrial and last-mile logistics property in Santa Clara County on bridge terms.
- HOSPITALITY: HOTEL & MOTEL Sunnyvale hospitality assets financed through the renovation and back out again.
- SELF-STORAGE Self-storage acquisition and expansion in Santa Clara County on bridge and commercial programs.
- AGRICULTURAL Working farmland in Santa Clara County financed where a bank will not.
- CANNABIS Santa Clara County cannabis real estate on private terms.
- AUTOMOTIVE & GAS STATION Service stations and automotive property in the Sunnyvale market.
© THE APPROACH SUNNYVALE · CA
HOW WE LEND IN SUNNYVALE
Most lenders compete on one line of that table. This one is built to hold every line at once, which is why a Sunnyvale borrower gets leverage and speed in the same quote rather than trading one for the other. If the numbers do not work, you are told early and directly.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
SUNNYVALE BORROWERS, IN THEIR WORDS
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I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS
© QUESTIONS SUNNYVALE · CA
SUNNYVALE HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Sunnyvale and across Santa Clara County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Sunnyvale files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Sunnyvale deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Santa Clara County. Owner-occupied has its own program. If the Sunnyvale asset produces or will produce value, there is usually a structure for it.
Property types -
Speed and certainty win Sunnyvale contracts, and a bridge closing in five to seven days lets you write an offer that behaves like cash. Santa Clara County sellers pick the buyer who will actually perform. Loan Goat lends directly from in-house capital with one decision maker, up to 75% LTV on bridge, no prepayment penalty when you refinance or sell soon after.
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The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers
© WHERE WE LEND SUNNYVALE · CA
SUNNYVALE, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE SUNNYVALE · CA
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